Cheapest Auto Insurance in Arkansas (2025)
The cheapest insurer in Arkansas is State Farm, which has rates as low as $43 per month.
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Written byAnna Baluch
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4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Reviewed byDaniel Roccato
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Table of contents
Arkansas drivers pay an average of $99 per month for liability insurance and $190 per month for full coverage. That’s more expensive than the national average and possibly because of the state’s fourth-highest traffic fatality rate in the U.S., with about 21 deaths per 100,000 people.[1]
Here’s what you should know about finding affordable car insurance in the Bear State.
Quick Facts
The cheapest company for full coverage in Arkansas is State Farm, with rates of $80 per month.
Arkansas follows modified comparative negligence standards, meaning you can only recover damages from the other driver if you’re less than 50% at fault in an accident.[2]
Insurance companies in Arkansas must offer a defensive driver discount for drivers age 55 and older who’ve successfully completed an approved course.[3]
3 of the cheapest car insurance companies in Arkansas
If you’re looking for cheap car insurance in Arkansas, consider different factors like your ZIP code, budget, driving record, annual mileage, and coverage needs. It’s also a good idea to compare several auto insurance companies to find one that offers a great deal.
To help you with your search, here are three of the cheapest car insurance companies in Arkansas.
State Farm
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $43/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $80/mo |
4.1
Best choiceBased on 11,282 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,047)
Roseann
July 7, 2025
Verified Review
Excellent
I've checked several insurance companies and State Farm always comes out on top.
Alice
July 7, 2025
Verified Review
State Farm Cares
All good... the staff is great and they care about your issues.
Sheri
July 7, 2025
Verified Review
Raising Rates Continues
Sometimes there's a long wait to speak to a real person, and after 25 years of being a customer, rates keep rising at an alarming rate. I haven’t had a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
647NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
If you’re a teen or young driver in Arkansas, you may be able to lock in a low rate with State Farm. The insurance company offers the Steer Clear program, which can save drivers younger than 25 up to 15% for having no at-fault accidents or moving violations on their records. You may also secure a discount for being a student.
Pros
Above-average J.D. Power customer satisfaction rating in the Central region
Drive Safe & Save program rewards safe drivers
Cons
Doesn’t offer gap insurance
Fewer advertised discounts than competitors
USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $52/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $98/mo |
4.9
Best choiceBased on 2,105 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,194)
Errin
July 9, 2025
Verified Review
They Could Do Better!
Average, but not a real discount rate, and rates go up yearly and worsen after even a small claim.
Herbert
July 5, 2025
Verified Review
Personally beneficial
Very easy to work with.
John
June 17, 2025
Verified Review
USAA Critique
High exposure in the South and East leads to higher premiums. They do have a SafePilot program, which I use. They also have a cashback program, which I use.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
759NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
If you’re a military member or veteran in the state, you might find cheap premiums with USAA. The insurer specifically serves the military community with car insurance as well as other insurance products, like homeowners insurance, renters insurance, and life insurance.
Pros
Top-rated mobile app
Multiple discounts advertised
Cons
Restrictive membership requirements
No gap insurance available
GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $74/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $126/mo |
4.0
Best choiceBased on 12,002 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,436)
Richard
July 8, 2025
Verified Review
Pricing Information
They quoted me one price, but when I called them back, they gave me another, higher price.
Jacq
July 8, 2025
Verified Review
My policy is expensive and customer service is lacking
I find my policy to be expensive, and when I need help, I have to call multiple times to get my issue resolved. Overall, I'm unsatisfied with the service.
Sharry
July 7, 2025
Verified Review
Every insurance is too high
Rates are high. They should be going down, but they are going up. I have a good record.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO offers various savings opportunities for senior drivers in Arkansas, such as its retired government and military discount, defensive driving discount, and five-year good driving discount. Also, if you’re at least 50, you may benefit from its Prime Time Contract, which guarantees your policy renewal.
Pros
Offers car accident forgiveness
Various coverage options available
Cons
Doesn’t offer gap insurance
Below-average J.D. Power customer satisfaction rating in the Central region
State Farm vs. USAA and GEICO
If you’re shopping for car insurance in Arkansas, see how these three companies compare.
| | |
|---|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $62/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $75/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $100/mo* |
Overall rating 4.1 | Overall rating 4.9 | Overall rating 4.0 |
Value for money 3.9/5 | Value for money 4.9/5 | Value for money 3.8/5 |
Customer service 4.1/5 | Customer service 4.7/5 | Customer service 3.9/5 |
Claims handling 4.1/5 | Claims handling 4.9/5 | Claims handling 4.1/5 |
Special highlight Customer serviceAI-generated from 6047 user reviews | Special highlight Members of the military communityAI-generated from 1194 user reviews | Special highlight Teen driversAI-generated from 6436 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
How to get the cheapest car insurance in Arkansas
Many car insurance companies offer auto policies to Arkansas drivers, and it can be hard to find the one that best fits your budget. These tips can help you land the lowest rates:
Look for discounts. Many car insurance companies offer discounts to customers, including an auto-pay discount, a multi-car discount, and a loyalty discount. Find out which discounts apply to you and take advantage of them.
Bundle policies. If you purchase your car insurance from the same company as your home insurance, renters insurance, or life insurance, you may be able to lock in more affordable auto insurance coverage.
Drive safely. Serious traffic violations, like speeding, at-fault accidents, and DUIs, can increase your car insurance costs. For the cheapest rates, do your best to be a safe driver.
Own a safe vehicle. Driving a vehicle with excellent safety scores can mean big savings.
Compare quotes. Use a quote-comparison tool or work with a car insurance agent to get quotes from at least three different car insurance companies. Then, choose the auto insurance company with the cheapest premiums and the right coverage for your needs.
Find Cheap Car Insurance in Arkansas
Liability rates start at $43 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance quotes in Arkansas: State Farm
Arkansas law requires drivers to purchase liability-only car insurance. This coverage pays for other people’s property damage and injuries after an accident you cause. Liability-only policies in Arkansas cost an average of $99 per month.
Here’s a look at the most affordable quotes for liability insurance in the state.
The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company  | Average Monthly Quote |
|---|---|
| State Farm | $43 |
| USAA | $52 |
| Progressive | $70 |
| Auto-Owners | $72 |
| GEICO | $74 |
| Root | $76 |
| Safeco | $90 |
| GAINSCO | $92 |
| Shelter | $94 |
| Allstate | $95 |
| Farmers | $96 |
| Nationwide | $96 |
| Travelers | $101 |
| National General | $102 |
| Direct Auto | $105 |
| Dairyland | $109 |
| The General | $122 |
| Bristol West | $140 |
| Liberty Mutual | $167 |
| Hugo | $203 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance quotes in Arkansas: State Farm
Full-coverage car insurance usually includes liability coverage, collision coverage, and comprehensive coverage. It offers additional protection on the road, and you may need it if you finance or lease your vehicle. Arkansas drivers pay an average of $190 per month for full-coverage car insurance.
The table below shows the best quotes for a full-coverage policy in Arkansas.
The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $80 |
| USAA | $98 |
| Progressive | $120 |
| GEICO | $126 |
| Auto-Owners | $136 |
| Root | $144 |
| National General | $168 |
| Safeco | $174 |
| Shelter | $177 |
| Allstate | $179 |
| Farmers | $180 |
| Nationwide | $180 |
| Travelers | $190 |
| Direct Auto | $203 |
| GAINSCO | $215 |
| The General | $252 |
| Dairyland | $278 |
| Liberty Mutual | $301 |
| Bristol West | $364 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Arkansas
Arkansas is an at-fault state, also called a tort state. This means the driver responsible for the accident must pay for the damages and injuries they cause to drivers and passengers in another vehicle. Arkansas car insurance laws are unique in that they follow modified comparative negligence standards.
Under modified comparative negligence standards, you can collect damages from the other driver only if you’re less than 50% at fault. The Bear State requires bodily injury liability coverage and property liability coverage and mandates proof of insurance when law enforcement requests it.
Here are the minimum insurance requirements in Arkansas:
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
While the coverage amounts above meet the minimum requirements in Arkansas, you might want to upgrade your coverage with any of the following options:
Collision coverage
Collision coverage pays to repair or replace your vehicle after you hit another vehicle or object, no matter who’s at fault.
Comprehensive coverage
Comprehensive coverage helps pay for vehicle damage from non-collision events, like fires, theft, falling objects, and vandalism.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage protects you from financial losses if someone without insurance or enough insurance hits you.
Gap coverage
Gap insurance covers the difference between your loan balance and your insurance settlement after a total loss.
Roadside assistance coverage
Roadside assistance coverage pays for fuel delivery, towing, tire changes, and related services to cover emergency situations.
Average cost of car insurance by age
Insurance companies consider your age when determining premiums. Teen drivers pay higher car insurance premiums than other age groups due to their limited experience behind the wheel. Average rates generally decrease around age 25 and start to increase again around age 70.
Because of impairments like poor vision and slower reflexes, seniors’ driving capabilities may cause their risk of an accident to increase.[4] But senior drivers still typically pay lower-than-average rates.
Age Group | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Teen drivers | $183 | $350 |
| Adult drivers | $100 | $191 |
| Senior drivers | $83 | $160 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance in Arkansas by driving record
If your driving record has at-fault accidents, speeding tickets, or driving under the influence (DUI) violations, insurers may perceive you as a high-risk driver and charge you more expensive premiums. But some incidents carry a heavier penalty. If you’re convicted of a DUI in Arkansas, for example, you may face a license suspension, fines, be required to have an ignition interlock device, and more.[5]
On average, Arkansas drivers with a clean record usually pay $99 for liability coverage per month, while drivers with a DUI spend an average of $159 per month.
Cheapest car insurance rates in AR with a speeding ticket
Getting a speeding ticket can increase your car insurance rates. The quotes shown below are for Arkansas drivers with a speeding ticket.
*Quotes generated for Insurify users from Arkansas within the last 10 days. Last updated on July 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Arkansas within the last 10 days. Last updated on July 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Cheapest car insurance rates in AR with an at-fault accident
Insurance companies may raise your rates after an at-fault accident. The quotes shown below are for Arkansas drivers with an at-fault accident.
*Quotes generated for Insurify users from Arkansas within the last 10 days. Last updated on July 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Arkansas within the last 10 days. Last updated on July 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Cheapest car insurance rates in AR with a DUI
Insurers consider you a high-risk driver if you have a DUI on your record. The quotes shown below are for Arkansas drivers with a DUI.
*Quotes generated for Insurify users from Arkansas within the last 10 days. Last updated on July 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Arkansas within the last 10 days. Last updated on July 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Cheapest car insurance rates in AR with an SR-22
High-risk drivers may need an SR-22 certificate to prove they meet their state’s minimum insurance requirements. The quotes shown below are for Arkansas drivers with an SR-22.
*Quotes generated for Insurify users from Arkansas within the last 10 days. Last updated on July 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Arkansas within the last 10 days. Last updated on July 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
)
Cheap SR-22 Insurance in Arkansas from $48 Per Month
How car insurance rates have changed in Arkansas
Average annual full-coverage costs in Arkansas increased to more than $2,400 in 2024 — a 25% increase from 2023, according to an Insurify report. Full-coverage rates also rose nationally due to factors like increased climate disasters and higher vehicle repair costs.
The chart below shows how car insurance rates in Arkansas have changed over the past two years.
Average Arkansas Car Insurance Rates over the Past Two Years
Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
Where you live in Arkansas, even down to your ZIP code, can affect your car insurance rates. Drivers living in populated areas with higher crime and accident rates generally pay more for insurance than drivers in rural areas.
The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT.Data reviewed by Konstantin Halachev7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
CityAverage Quote: Liability OnlyAverage Quote: Full CoverageRussellville $91 $164 Paragould $97 $159 Fort Smith $97 $177 Springdale $103 $189 Fayetteville $104 $181 Jonesboro $106 $185 Benton $106 $187 Conway $106 $185 Pine Bluff $114 $231 North Little Rock $122 $216 Little Rock $128 $220 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Arkansas car insurance FAQs
Before you begin to shop around for car insurance, it’s important to figure out the right amount of coverage you’ll need on the road. The following information should help as you’re researching your insurance coverage options in Arkansas.
The average cost of car insurance in Arkansas is $99 per month for liability insurance and $190 per month for full coverage.
State Farm, USAA, and Progressive offer the cheapest liability insurance coverage in Arkansas, with rates of $43, $52, and $70 per month, respectively.
But the best way to find the cheapest rates for your situation is to compare quotes from at least three different insurers for the same coverage level. The more quotes you get, the better, so shopping around with an online comparison tool can help.
Some of the best car insurance companies in Arkansas include State Farm, GEICO, and USAA. These insurers have solid AM Best financial strength ratings, strong Insurify Quality (IQ) Scores, and relatively cheap rates for drivers.
Arkansas requires drivers to maintain 25/50/25 minimum insurance coverage. This translates to $25,000 per person and $50,000 per accident in bodily injury liability coverage and $25,000 per accident in property damage liability coverage.
Arkansas drivers can reduce car insurance costs by looking for discounts, maintaining clean driving records, bundling insurance policies, and comparing quotes regularly.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Insurance Institute for Highway Safety. "Fatality Facts 2022: State by State."
- Nolo. "Arkansas Auto Accident Laws."
- Arkansas Insurance Department. "Consumers FAQ."
- Insurance Information Institute. "Senior driving safety and insurance tips."
- Arkansas Department of Finance and Administration. "DUI/DWI/BUI/BWI OFFENSES."
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Anna BaluchInsurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Anna has been a contributor at Insurify since December 2022.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.